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Chase Sapphire Preferred vs Citi Double Cash Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Sapphire PreferredChase | Citi Double Cash CardCiti |
|---|---|---|
| Rating | 4.8/5 | 4.5/5 |
| Annual Fee | $95 | $0 |
| APR | 19.24% - 27.49% | 17.49% - 27.49% |
| Signup Bonus | 75,000 points after spending $5,000 in 3 months | $200 cash back after spending $1,500 in 6 months |
| Rewards Rate | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else | 2% on everything (1% on purchase + 1% on payment), 5% on hotels/cars/attractions via Citi Travel |
| Credit Score | good | good |
| Pros | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees | Flat 2% cashback on everything — no categories to track 5% on hotels, car rentals, and attractions via Citi Travel 18-month 0% intro APR on balance transfers |
| Cons | $95 annual fee No airport lounge access Limited premium perks vs. Reserve | 3% foreign transaction fee No additional perks or insurance Must pay at least minimum due to earn the second 1% |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the Citi Double Cash Card (4.5/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.